Submission Avenues. Fax: You may fax all documents to A fax cover sheet with directions has been included for your use.

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1 SunTrust Mortgage 1001 Semmes Avenue Richmond, Virginia Tel Submission Avenues Fax: You may fax all documents to A fax cover sheet with directions has been included for your use. Mail: You may mail all documents to: SunTrust Mortgage Inc. VA-RVW-5113 PO Box Richmond, VA You may all documents to Homepreservationdocuments@SunTrust.com. Please include your loan number in the Subject line. Please ensure that all documents are in a PDF format. Please do not send more than 8 attachments in each submission. If you have additional documents, please send in a separate . If you are submitting documents for more than one loan, please send a separate transmission for each loan. IMPORTANT NOTES Please do the following to facilitate the prompt and accurate imaging of your documents: Include your FULL name, applicable 10 digit loan numbers and date are at the top of this form. Ensure each document includes a valid mortgage loan number. If multiple documents for the same loan are being submitted, include the loan number at the top of the each page. Please refer to the Homeowner Checklist and the Uniform Borrower Assistance Form 710 to ensure that all required information is being submitted.

2 SunTrust Mortgage 1001 Semmes Avenue Richmond, Virginia Tel Loss Mitigation Fax Coversheet Please fax all documents to: Date: Client s Full Name: Loan #: All loan numbers must be ten (10) digits. Additional Loan # s: Property Address: Please only include loan numbers that you wish to have considered for Loss Mitigation options Please submit a separate cover sheet for additional property addresses. Comments: IMPORTANT NOTES Please do the following to facilitate the prompt and accurate imaging of your documents: Include your FULL name, applicable 10 digit loan numbers and date are at the top of this form. Ensure each document includes a valid mortgage loan number. If multiple documents for the same loan are being submitted, include the loan number at the top of the each page. Please refer to the Homeowner Checklist and the Uniform Borrower Assistance Form 710 to ensure that all required information is being submitted.

3 Homeowner Checklist For Your Information Only - Do Not Return with Your Borrower Response Package GET STARTED Use this checklist to ensure you have completed all required forms and have the right information. Step 1 Step 2 Review the information provided to help you understand your options, responsibilities, and next steps. Avoiding Foreclosure Frequently Asked Questions Beware of Foreclosure Rescue Scams Complete and sign the enclosed Borrower Assistance Form. Must be signed by all borrowers on the mortgage (notarization is not required) and must include: All income, expenses, and assets for each borrower An explanation of financial hardship that makes it difficult to pay the mortgage Your acknowledgment and agreement that all information that you provide is true and accurate Step 3 Complete and sign a dated copy of the enclosed IRS Form 4506T. For each borrower, please submit a signed, dated copy of IRS Form 4506T (Request for Transcript of Tax Return) Borrowers who filed their tax returns jointly may send in one IRS Form 4506T signed and dated by both joint filers Step 4 Step 5 Step 6 Provide required Hardship documentation. This documentation will be used to verify your hardship. Follow the instructions set forth on the Borrower Assistance Form (attached) Provide required Income documentation. This documentation will be used to verify your hardship and all of your income (including any alimony or child support that you choose to disclose and rely upon to qualify). Follow the instructions set forth on the Borrower Assistance Form (attached) You may also disclose any income from a household member who is not on the promissory note (non-borrower), such as a relative, spouse, domestic partner, or fiancé who occupies the property as a primary residence. If you elect to disclose and rely upon this income to qualify, the required income documentation is the same as the income documentation required for a borrower. See Page 2 of the Borrower Assistance Form for specific details on income documentation. Gather and send your completed Borrower Response Package immediately. For Home Retention Requests, you must send in all required documentation listed in steps 2-5 above, and summarized below: Borrower Assistance Form (attached) Form 4506T (attached) Income Documentation as outlined on Page 2 of the Borrower Assistance Form (attached) Hardship Documentation as outlined on Page 3 of the Borrower Assistance Form (attached) Authorization Form for Non-Borrower (if applicable) For Home Liquidation Requests, you must send in all required documentation as outlined above PLUS: 2 most recent bank statements Last 2 years worth of tax returns Sales contract (if applicable) Estimated HUD-1 (if applicable) Affidavit of ARM s Length Transaction signed by all parties (if applicable) 3 rd Party Authorization Form (if applicable) MLS listing (if applicable) Please fax all documents to , mail them to SunTrust Mortgage Inc., VA-RVW-5113, PO BOX 26150, Richmond, VA 23260, or them to: homepreservationdocuments@suntrust.com. Please include your loan number in the subject line as well as at the top of each page. Please do not more than eight (8) attachments per submission. If you have additional attachments, please send a supplemental . IMPORTANT REMINDERS: If you cannot provide the documentation within the time frame provided, have other types of income not specified on Page 2 of the Borrower Assistance Form, cannot locate some or all of the required documents, OR have any questions, please contact us at the number provided on Page 2. Keep a copy of all documents and proof of mailing/ ing for your records. Don t send original income or hardship documents. Copies are acceptable. Questions? Contact us at the number provided on Page 2

4 Information on Avoiding Foreclosure For Your Information Only - Do Not Return with Your Borrower Response Package Mortgage Programs Are Available to Help There are a variety of programs available to help you resolve your delinquency and keep your home. You may be eligible to refinance or modify your mortgage to make your payments and terms more manageable, for example, lowering your monthly payment to make it more affordable. Or, if you have missed a few payments, you may qualify for a temporary (or permanent) solution to help you get your finances back on track. Depending on your circumstances, staying in your home may not be possible. However, a short sale or deed-in-lieu of foreclosure may be a better choice than foreclosure see the table below for more information: OPTIONS TO STAY IN YOUR HOME Refinance Reinstatement Repayment Plan Forbearance Plan Modification OPTIONS TO LEAVE YOUR HOME Short Sale Mortgage Release (Deed-in-Lieu of Foreclosure) OVERVIEW Receive a new loan with lower interest rate or other favorable terms Pay the total amount you owe, in a lump sum payment and by a specific date. This may follow a forbearance plan as described below Pay back your past-due payments together with your regular payments over an extended period of time Make reduced mortgage payments or no mortgage payments for a specific period of time Receive modified terms of your mortgage to make it more affordable or manageable after successfully making payments during a trial period (that is, completing a three- or fourmonth trial period plan) that approximate the modified payment OVERVIEW Sell your home and pay off a portion of your mortgage balance when you owe more on the home than it is worth Transfer the ownership of your property to us BENEFIT Makes your payment or terms more affordable Allows you to avoid foreclosure by bringing your mortgage current if you can show you have funds that will become available at a specific date in the future Allows you time to catch up on late payments without having to come up with a lump sum Have time to improve your financial situation and get back on your feet Permanently modifies your mortgage so that your payments or terms are more manageable as a permanent solution to a long-term or permanent hardship BENEFIT Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available. Allows you to transition out of your home without going through foreclosure. In some cases, relocation assistance may be available. We Want to Help Take action, gain peace of mind and control of your situation. Complete and return the Borrower Response Package to start the process of getting the help you need now.

5 Frequently Asked Questions For Your Information Only - Do Not Return with Your Borrower Response Package 1. Why Did I Receive This Package? You received this package because we have not received one or more of your monthly mortgage payments and want to help you keep your home if at all possible. We are sending this information to you now so that we can work with you to quickly resolve any temporary or long-term financial challenge you face to making all of your late mortgage payments. 2. Where Can I Find More Information on Foreclosure Prevention? Please see the Avoiding Foreclosure attachment in this package for more information, or you can contact SunTrust at Additional foreclosure prevention information is provided by SunTrust at suntrust.com/mortgage. 3. Will I Be Evaluated for the Federal Home Affordable Modification Program (HAMP) When I Submit My Borrower Response Package? You will be evaluated for all available workout options in accordance with the eligibility requirements of Fannie Mae, the owner of your mortgage loan. The evaluation is based on whether you are experiencing a temporary or permanent hardship and the duration of your delinquency, and may be impacted by your intention to stay in the property. If you intend to stay in your property and we determine you are not eligible for a refinance, reinstatement, Repayment Plan, or a Forbearance Plan, then we will evaluate you under the Fannie Mae Home Affordable Modification Program (HAMP) prior to evaluation for other Fannie Mae loan modifications. 4. What if I Don t Want to Stay in My Home Anymore? You may have good reasons for needing to leave your property, such as a job relocation, a divorce, financial hardship due to the death of a borrower, or some other reason preventing you from keeping your property. If you intend to transition out of your home, please indicate that you want to sell or vacate the property on page 1 of the attached Borrower Assistance Form and we may first evaluate you for a short sale or Mortgage Release (deed-in-lieu of foreclosure). Even if you are approved for one of those workout solutions, we may consider you for a mortgage loan modification. 5. Will It Cost Money to Get Help? There should never be a fee from your servicer or qualified counselor to obtain assistance or information about foreclosure prevention options. However, foreclosure prevention has become a target for scam artists. Be wary of companies or individuals offering to help you for a fee, and never send a mortgage payment to any company other than the one listed on your monthly mortgage statement or one designated to receive your payments under a state assistance program. 6. What Happens Once I Have Sent the Borrower Response Package to You? We will contact you within three business days of our receipt of your Borrower Response Package to confirm that we have received your package and will review it to determine whether it is complete. Within five business days of receipt of your request, we will send you a notice of incompleteness in the event there is any missing information or documentation that you must still submit. If your complete application and documents required for a Borrower Response Package is received 15 or more days prior to the foreclosure sale date, we will conduct a thorough evaluation of your request for retention options. Additionally, if your complete application and documents required for a Borrower Response Package is received 30 or more days prior to the foreclosure sale date, we will conduct a thorough evaluation of your request for a short sale or deed in lieu. Please submit your Borrower Response Package as soon as possible. For properties located in California: If your complete application and documents required for a Borrowers Response Package is received at any time prior to the foreclosure sale date, we will conduct a thorough evaluation for requests received for retention options only. 7. What Happens to My Mortgage While You Are Evaluating My Borrower Response Package? You remain obligated to make all mortgage payments as they come due, even while we are evaluating the types of assistance that may be available. 8. Will the Foreclosure Process Begin If I Do Not Respond to this Letter? If you have missed four monthly payments or there is reason to believe the property is vacant or abandoned, we may refer your mortgage to foreclosure regardless of whether you are being considered for a modification or other types of foreclosure alternatives. 9. What Happens if I Have Waited Too Long and My Property Has Been Referred to an Attorney for Foreclosure? Should I Still Contact You? Yes, the sooner the better!

6 FREQUENTLY ASKED QUESTIONS continued 10. What if My Property is Scheduled for a Foreclosure Sale in the Future? If your application for a retention option is received between 15 days and 4 days before a scheduled foreclosure sale date or your application for a short sale or deed in lieu is received between 30 days and 15 days before a scheduled foreclosure sale, an expedited evaluation will be conducted. If we are unable to complete the review due to insufficient time, you will be notified and the foreclosure sale will continue. Please submit your Borrower Response Package as soon as possible. 11. Will My Property be Sold at a Foreclosure Sale If I Accept a Foreclosure Alternative? No. The property will not be sold at a foreclosure sale once you accept a loss mitigation retention or liquidation workout option. 12. Will My Credit Score Be Affected by My Late Payments or Being in Default? The delinquency status of your loan will be reported to credit reporting agencies as well as your entry into a Repayment Plan, Forbearance Plan, or Trial Period Plan in accordance with the requirements of the Fair Credit Reporting Act and the Consumer Data Industry Association requirements. 13. Will My Credit Score Be Affected if I Accept a Foreclosure Prevention Option? While the effect on your credit will depend on your individual credit history, credit scoring companies generally would consider entering into a plan with reduced payments as increasing your credit risk. As a result, entering into a plan with reduced payments may adversely affect your credit score, particularly if you are current on your mortgage or otherwise have a good credit score. 14. Is Foreclosure Prevention Counseling Available? Yes, HUD-approved counselors are available to provide you with the information and assistance you may need to avoid foreclosure. You can use the search tool at to find a counselor near you. 15. I Have Seen Ads and Flyers From Companies Offering to Help Me Avoid Foreclosure for a Fee. Are These Companies on the Level? Foreclosure prevention has become a target for scam artists. We suggest using the HUD Web site referenced in question 12 to locate a counselor near you. Also, please refer to the Beware of Foreclosure Rescue Scams section for more information. BEWARE OF FORECLOSURE RESCUE SCAMS TIPS & WARNING SIGNS For Your Information Only - Do Not Return with Your Borrower Response Package Scam artists are stealing millions of dollars from distressed homeowners by promising immediate relief from foreclosure, or demanding cash for counseling services when HUD approved counseling agencies provide the same services for FREE. If you receive an offer, information or advice that sounds too good to be true, it probably is. Don't let them take advantage of you, your situation, your house or your money. Remember, help is FREE. How to Spot a Scam beware of a company or person who: Asks for a fee in advance to work with your lender to modify, refinance or reinstate your mortgage. Guarantees they can stop a foreclosure or get your loan modified. Advises you to stop paying your mortgage company and pay them instead. Pressures you to sign over the deed to your home or sign any paperwork that you haven't had a chance to read, and you don't fully understand. Claims to offer "government approved" or "official government" loan modifications. Asks you to release personal financial information online or over the phone and you have not been working with this person and/or do not know them. How to Report a Scam do one of the following: Go to and fill out the Loan Modification Scam Prevention Network s (LMSPN) complaint form online and get more information on how to fight back. Note: you can also fill out this form and send to the fax number/ /address (your choice!) on the back of the form. Call HOPE (4673) and tell the counselor about your situation and that you believe you got scammed or know of a scam. Appendix A Beware of Scams Provides tips for avoiding scams and instructions on The Loan Modification Scam Prevention Network is a national coalition of governmental and private organizations led by Fannie Mae, Freddie Mac, NeighborWorks America and the Lawyers Committee for Civil Rights Under Law.

7 UNIFORM BORROWER ASSISTANCE FORM If you are experiencing a temporary or long-term hardship and need help, you must complete and submit this form along with other required documentation to be considered for available solutions. On this page, you must disclose information about (1) you and your intentions to either keep or transition out of your home; (2) the property s status; (3) bankruptcy; and (4) your credit counseling agency. On Page 2, you must disclose information about all of your income, expenses and assets. Page 2 also lists the required income documentation that you must submit in support of your request for assistance. Then on Page 3, you must complete the Hardship Affidavit in which you disclose the nature of your hardship. The Hardship Affidavit informs you of the required documentation that you must submit in support of your hardship claim. NOTICE: In addition, when you sign and date this form, you will make important certifications, representations and agreements, including certifying that all of the information in this Borrower Assistance Form is accurate and truthful and any identified hardship has contributed to your submission of this request for mortgage relief. REMINDER: The Borrower Response Package you need to return consists of: (1) this completed, signed and dated Borrower Assistance Form; (2) completed and signed IRS Form 4506T-EZ (4506T for self-employed borrowers or borrowers with rental income); (3) required income documentation; and (4) required hardship documentation. Loan Number (usually found on your monthly mortgage statement) Servicer s Name I want to: Keep the Property Vacate the Property Sell the Property Undecided The property is currently: My Primary Residence A Second Home An Investment Property The property is currently: Owner Occupied Renter Occupied Vacant BORROWER S NAME BORROWER CO-BORROWER S NAME CO-BORROWER SOCIAL SECURITY NUMBER DATE OF BIRTH SOCIAL SECURITY NUMBER DATE OF BIRTH HOME PHONE NUMBER WITH AREA CODE CELL OR WORK NUMBER WITH AREA CODE HOME PHONE NUMBER WITH AREA CODE CELL OR WORK NUMBER WITH AREA CODE MAILING ADDRESS PROPERTY ADDRESS (IF SAME AS MAILING ADDRESS, JUST WRITE SAME) ADDRESS Is the property listed for sale? Yes No If yes, what was the listing date? If property has been listed for sale, have you received an offer on the property? Yes No Date of offer: Amount of Offer: $ Agent s Name: Agent s Phone Number: For Sale by Owner? Yes No Do you have condominium or homeowner association (HOA) fees? Yes No Total monthly amount: $ Have you contacted a credit counseling agency for help? Yes No If yes, please complete the counselor contact information below: Counselor s Name: Agency s Name: Counselor s Phone Number: Counselor s Address: Name and address that fees are paid to: Have you filed for bankruptcy? Yes No If yes: Chapter 7 Chapter 11 Chapter 12 Chapter 13 If yes, what is the filing Date: Has your bankruptcy been discharged? Yes No Bankruptcy case number: Is any Borrower an active duty service member? Yes No Has any Borrower been deployed away from his/her primary residence or received a Permanent Change of Station order? Yes No Is any Borrower the surviving spouse of a deceased service member who was on active duty at the time of death? Yes No Page 1 of 4 May 2014

8 UNIFORM BORROWER ASSISTANCE FORM Monthly Household Income Monthly Household Expenses and Debt Payments Household Assets (associated with the property and/or borrower(s)excluding retirement funds) Gross wages $ First Mortgage Payment $ Checking Account(s) $ Overtime $ Second Mortgage Payment $ Checking Account(s) $ Child Support / Alimony* $ Homeowner s Insurance $ Savings / Money Market $ Non-taxable social security/ssdi $ Property Taxes $ CDs $ Taxable SS benefits or other monthly income from annuities or retirement plans $ Credit Cards / Installment Loan(s) (total minimum payment per month) $ Stocks / Bonds $ Tips, commissions, bonus and self- $ Alimony, child support payments $ Other Cash on Hand $ employed income Rents Received $ Car Lease Payments $ Other Real Estate (estimated value) $ Unemployment Income $ HOA/Condo Fees/Property Maintenance $ Other $ Food Stamps/Welfare $ Mortgage Payments on other properties $ $ Other $ Other $ $ Total (Gross income) $ Total Household Expenses and Debt $ Total Assets $ Payments Any other liens (mortgage liens, mechanics liens, tax liens, etc.) Lien Holder s Name Balance and Interest Rate Loan Number Lien Holder s Phone Number Do you earn a salary or hourly wage? For each borrower who is a salaried employee or paid by the hour, include paystub(s) reflecting the most recent 30 days earnings and documentation reflecting year-to-date earnings, if not reported on the paystubs (e.g. signed letter or printout from employer). Required Income Documentation Are you self-employed? For each borrower who receives self-employed income, include a complete, signed individual federal income tax return and, as applicable, the business tax return; AND either the most recent signed and dated quarterly or year-to-date profit/loss statement that reflects activity for the most recent three months; OR copies of bank statements for the business account for the last two months evidencing continuation of business activity. Do you have any additional sources of income? Provide for each borrower as applicable: Other Earned Income such as bonuses, commissions, housing allowance, tips, or overtime: Reliable third-party documentation describing the amount and nature of the income (e.g., paystub, employment contract or printouts documenting tip income). Social Security, disability or death benefits, pension, public assistance, or adoption assistance: Documentation showing the amount and frequency of the benefits, such as letters, exhibits, disability policy or benefits statement from the provider, and Documentation showing the receipt of payment, such as copies of the two most recent bank statements showing deposit amounts. Rental income: Copy of the most recent filed federal tax return with all schedules, including Schedule E Supplement Income and Loss. Rental income for qualifying purposes will be 75% of the gross rent you reported reduced by the monthly debt service on the property, if applicable; or If rental income is not reported on Schedule E Supplemental Income and Loss, provide a copy of the current lease agreement with either bank statements or cancelled rent checks demonstrating receipt of rent. Investment income: Copies of the two most recent investment statements or bank statements supporting receipt of this income. Alimony, child support, or separation maintenance payments as qualifying income:* Copy of divorce decree, separation agreement, or other written legal agreement filed with a court, or court decree that states the amount of the alimony, child support, or separation maintenance payments and the period of time over which the payments will be received, and Copies of your two most recent bank statements or other third-party documents showing receipt of payment. *Notice: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered for repaying this loan. Page 2 of 4 May 2014

9 UNIFORM BORROWER ASSISTANCE FORM HARDSHIP AFFIDAVIT I am requesting review of my current financial situation to determine whether I qualify for temporary or permanent mortgage loan relief options. Date Hardship Began is: I believe that my situation is: Short-term (under 6 months) Medium-term (6 12 months) Long-term or Permanent Hardship (greater than 12 months) I am having difficulty making my monthly payment because of reason set forth below: (Please check the primary reason and submit required documentation demonstrating your primary hardship) If Your Hardship is: Unemployment Reduction in Income: a hardship that has caused a decrease in your income due to circumstances outside your control (e.g., elimination of overtime, reduction in regular working hours, a reduction in base pay) Increase in Housing Expenses: a hardship that has caused an increase in your housing expenses due to circumstances outside your control Divorce or legal separation; Separation of Borrowers unrelated by marriage, civil union or similar domestic partnership under applicable law Death of a borrower or death of either the primary or secondary wage earner in the household Long-term or permanent disability; Serious illness of a borrower/coborrower or dependent family member Disaster (natural or man-made) adversely impacting the property or Borrower s place of employment Then the Required Hardship Documentation is: No hardship documentation required No hardship documentation required No hardship documentation required Divorce decree signed by the court; OR Separation agreement signed by the court; OR Current credit report evidencing divorce, separation, or non-occupying borrower has a different address; OR Recorded quitclaim deed evidencing that the non-occupying Borrower or co- Borrower has relinquished all rights to the property Death certificate; OR Obituary or newspaper article reporting the death Proof of monthly insurance benefits or government assistance (if applicable); OR Written statement or other documentation verifying disability or illness; OR Doctor s certificate of illness or disability; OR Medical bills None of the above shall require providing detailed medical information. Insurance claim; OR Federal Emergency Management Agency grant or Small Business Administration loan; OR Borrower or Employer property located in a federally declared disaster area Distant employment transfer / Relocation For active duty service members: Notice of Permanent Change of Station (PCS) or actual PCS orders. For employment transfers/new employment: Copy of signed offer letter or notice from employer showing transfer to a new employment location; OR Pay stub from new employer; OR Business Failure Other: a hardship that is not covered above In addition to the above, documentation that reflects the amount of any relocation assistance provided, if applicable (not required for those with PCS orders). Tax return from the previous year (including all schedules) AND Proof of business failure supported by one of the following: Bankruptcy filing for the business; OR Two months recent bank statements for the business account evidencing cessation of business activity; OR Most recent signed and dated quarterly or year-to-date profit and loss statement Written explanation describing the details of the hardship and relevant documentation Page 3 of 4 May 2014

10 Borrower/Co-Borrower Acknowledgement and Agreement I certify, acknowledge, and agree to the following: 1. All of the information in this Borrower Assistance Form is truthful and the hardship that I have identified contributed to my need for mortgage relief. 2. The accuracy of my statements may be reviewed by the Servicer, owner or guarantor of my mortgage, their agent(s), or an authorized third party*, and I may be required to provide additional supporting documentation. I will provide all requested documents and will respond timely to all Servicer, or authorized third party*, communications. 3. Knowingly submitting false information may violate Federal and other applicable law. 4. If I have intentionally defaulted on my existing mortgage, engaged in fraud or misrepresented any fact(s) in connection with this request for mortgage relief or if I do not provide all required documentation, the Servicer may cancel any mortgage relief granted and may pursue foreclosure on my home and/or pursue any available legal remedies. 5. The Servicer is not obligated to offer me assistance based solely on the representations in this document or other documentation submitted in connection with my request. 6. Charges associated with the servicing of my loan may be billed in the form of corporate advance and will appear on my periodic billing statement. 7. I may be eligible for a trial period plan, repayment plan, or forbearance plan. If I am eligible for one of these plans, I agree that: a. All the terms of this Acknowledgment and Agreement are incorporated into such plan by reference as if set forth in such plan in full. b. My first timely payment under the plan will serve as acceptance of the terms set forth in the notice of the plan sent by the Servicer. c. The Servicer s acceptance of any payments under the plan will not be a waiver of any acceleration of my loan or foreclosure action that has occurred and will not cure my default unless such payments are sufficient to completely cure my entire default under my loan. d. Payments due under a trial period plan for a modification will contain escrow amounts. If I was not previously required to pay escrow amounts, and my trial period plan contains escrow amounts, I agree to the establishment of an escrow account and agree that any prior waiver is revoked. Payments due under a repayment plan or forbearance plan may or may not contain escrow amounts. If I was not previously required to pay escrow amounts and my repayment plan or forbearance plan contains escrow amounts, I agree to the establishment of an escrow account and agree that any prior escrow waiver is revoked. 8. A condemnation notice has not been issued for the property. 9. If, during the Servicer s review it is found that I have received a HAMP modification on this or any other property, I agree to the cancellation of any approved HAMP trial or final modification and understand I will be reviewed for non- HAMP modification options. 10. The Servicer or authorized third party* will obtain a current credit report on all borrowers obligated on the Note. 11. The Servicer or authorized third party* will collect and record personal information that I submit in this Borrower Response Package and during the evaluation process. This personal information may include, but is not limited to: (a) my name, address, telephone number, (b) my social security number, (c) my credit score, (d) my income, and (e) my payment history and information about my account balances and activity. I understand and consent to the Servicer or authorized third party*, as well as any investor or guarantor (such as Fannie Mae or Freddie Mac), disclosing my personal information and the terms of any relief or foreclosure alternative that I receive to the following: a. Any investor, insurer, guarantor, or servicer that owns, insures, guarantees, or services my first lien or subordinate lien (if applicable) mortgage loan(s) or any companies that perform support services to them; and b. The U.S. Department of Treasury, Fannie Mae and Freddie Mac, in conjunction with their responsibilities under the Making Home Affordable program, or any companies that perform support services to them. 12. I understand that by providing my phone number, I consent to SunTrust Bank, its affiliates, agents, and assignees of any of those contacting me at this number by calling, texting, or sending other electronic messages, from time to time, for any reason about my accounts with SunTrust Bank and its affiliates, including but not limited to, for collection and payment purposes, even if I have submitted a request to cease collection calls. I agree that automated dialing equipment or prerecorded voice messages may be used for any of these purposes. Borrower Signature Date Co-Borrower Signature Date *An authorized third party may include, but is not limited to, a counseling agency, Housing Finance Agency (HFA) or other similar entity that is assisting me in obtaining a foreclosure prevention alternative. Fannie Mae/Freddie Mac Form 710 Page 4 of 4 May 2014

11 Form 4506-T (Rev. August 2014) Department of the Treasury Internal Revenue Service Request for Transcript of Tax Return Request may be rejected if the form is incomplete or illegible. For more information about Form 4506-T, visit OMB No Tip. Use Form 4506-T to order a transcript or other return information free of charge. See the product list below. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on "Get Transcript of Your Tax Records" under "Tools" or call If you need a copy of your return, use Form 4506, Request for Copy of Tax Return. There is a fee to get a copy of your return. 1a Name shown on tax return. If a joint return, enter the name shown first. 1b First social security number on tax return, individual taxpayer identification number, or employer identification number (see instructions) 2a If a joint return, enter spouse s name shown on tax return. 2b Second social security number or individual taxpayer identification number if joint tax return 3 Current name, address (including apt., room, or suite no.), city, state, and ZIP code (see instructions) 4 Previous address shown on the last return filed if different from line 3 (see instructions) 5 If the transcript or tax information is to be mailed to a third party (such as a mortgage company), enter the third party s name, address, and telephone number. SunTrust Mortgage, Inc., ATTN: Loss Mitigation - RVW-3054, 1001 Semmes Avenue, Richmond, VA 23224, (855) Caution. If the tax transcript is being mailed to a third party, ensure that you have filled in lines 6 through 9 before signing. Sign and date the form once you have filled in these lines. Completing these steps helps to protect your privacy. Once the IRS discloses your tax transcript to the third party listed on line 5, the IRS has no control over what the third party does with the information. If you would like to limit the third party's authority to disclose your transcript information, you can specify this limitation in your written agreement with the third party. 6 Transcript requested. Enter the tax form number here (1040, 1065, 1120, etc.) and check the appropriate box below. Enter only one tax form number per request. a Return Transcript, which includes most of the line items of a tax return as filed with the IRS. A tax return transcript does not reflect changes made to the account after the return is processed. Transcripts are only available for the following returns: Form 1040 series, Form 1065, Form 1120, Form 1120A, Form 1120H, Form 1120L, and Form 1120S. Return transcripts are available for the current year and returns processed during the prior 3 processing years. Most requests will be processed within 10 business days b Account Transcript, which contains information on the financial status of the account, such as payments made on the account, penalty assessments, and adjustments made by you or the IRS after the return was filed. Return information is limited to items such as tax liability and estimated tax payments. Account transcripts are available for most returns. Most requests will be processed within 10 business days. c Record of Account, which provides the most detailed information as it is a combination of the Return Transcript and the Account Transcript. Available for current year and 3 prior tax years. Most requests will be processed within 10 business days Verification of Nonfiling, which is proof from the IRS that you did not file a return for the year. Current year requests are only available after June 15th. There are no availability restrictions on prior year requests. Most requests will be processed within 10 business days.. 8 Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. The IRS can provide a transcript that includes data from these information returns. State or local information is not included with the Form W-2 information. The IRS may be able to provide this transcript information for up to 10 years. Information for the current year is generally not available until the year after it is filed with the IRS. For example, W-2 information for 2011, filed in 2012, will likely not be available from the IRS until If you need W-2 information for retirement purposes, you should contact the Social Security Administration at Most requests will be processed within 10 business days. Caution. If you need a copy of Form W-2 or Form 1099, you should first contact the payer. To get a copy of the Form W-2 or Form 1099 filed with your return, you must use Form 4506 and request a copy of your return, which includes all attachments. 9 Year or period requested. Enter the ending date of the year or period, using the mm/dd/yyyy format. If you are requesting more than four years or periods, you must attach another Form 4506-T. For requests relating to quarterly tax returns, such as Form 941, you must enter each quarter or tax period separately. Caution. Do not sign this form unless all applicable lines have been completed. Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, partner, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note. For transcripts being sent to a third party, this form must be received within 120 days of the signature date. Phone number of taxpayer on line 1a or 2a Sign Here Signature (see instructions) Title (if line 1a above is a corporation, partnership, estate, or trust) Date Spouse s signature For Privacy Act and Paperwork Reduction Act Notice, see page 2. Cat. No N Form 4506-T (Rev ) Date

12 Form 4506-T (Rev ) Page 2 Section references are to the Internal Revenue Code unless otherwise noted. Future Developments For the latest information about Form 4506-T and its instructions, go to Information about any recent developments affecting Form 4506-T (such as legislation enacted after we released it) will be posted on that page. General Instructions Caution. Do not sign this form unless all applicable lines have been completed. Purpose of form. Use Form 4506-T to request tax return information. You can also designate (on line 5) a third party to receive the information. Taxpayers using a tax year beginning in one calendar year and ending in the following year (fiscal tax year) must file Form 4506-T to request a return transcript. Note. If you are unsure of which type of transcript you need, request the Record of Account, as it provides the most detailed information. Tip. Use Form 4506, Request for Copy of Tax Return, to request copies of tax returns. Automated transcript request. You can quickly request transcripts by using our automated self-help service tools. Please visit us at IRS.gov and click on Get Transcript of Your Tax Records under Tools or call Where to file. Mail or fax Form 4506-T to the address below for the state you lived in, or the state your business was in, when that return was filed. There are two address charts: one for individual transcripts (Form 1040 series and Form W-2) and one for all other transcripts. If you are requesting more than one transcript or other product and the chart below shows two different addresses, send your request to the address based on the address of your most recent return. Chart for individual transcripts (Form 1040 series and Form W-2 and Form 1099) If you filed an individual return Mail or fax to: and lived in: Alabama, Kentucky, Louisiana, Mississippi, Tennessee, Texas, a foreign country, American Samoa, Puerto Rico, Guam, the Commonwealth of the Northern Mariana Islands, the U.S. Virgin Islands, or A.P.O. or F.P.O. address Alaska, Arizona, Arkansas, California, Colorado, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Michigan, Minnesota, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Utah, Washington, Wisconsin, Wyoming Connecticut, Delaware, District of Columbia, Florida, Georgia, Maine, Maryland, Massachusetts, Missouri, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, West Virginia Internal Revenue Service RAIVS Team Stop 6716 AUSC Austin, TX Internal Revenue Service RAIVS Team Stop Fresno, CA Internal Revenue Service RAIVS Team Stop 6705 P-6 Kansas City, MO Chart for all other transcripts If you lived in or your business Mail or fax to: was in: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Florida, Hawaii, Idaho, Iowa, Kansas, Louisiana, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota, Texas, Utah, Washington, Wyoming, a foreign country, or A.P.O. or F.P.O. address Connecticut, Delaware, District of Columbia, Georgia, Illinois, Indiana, Kentucky, Maine, Maryland, Massachusetts, Michigan, New Hampshire, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Rhode Island, South Carolina, Tennessee, Vermont, Virginia, West Virginia, Wisconsin Internal Revenue Service RAIVS Team P.O. Box 9941 Mail Stop 6734 Ogden, UT Internal Revenue Service RAIVS Team P.O. Box Stop 2800 F Cincinnati, OH Line 1b. Enter your employer identification number (EIN) if your request relates to a business return. Otherwise, enter the first social security number (SSN) or your individual taxpayer identification number (ITIN) shown on the return. For example, if you are requesting Form 1040 that includes Schedule C (Form 1040), enter your SSN. Line 3. Enter your current address. If you use a P. O. box, include it on this line. Line 4. Enter the address shown on the last return filed if different from the address entered on line 3. Note. If the address on lines 3 and 4 are different and you have not changed your address with the IRS, file Form 8822, Change of Address. For a business address, file Form 8822-B, Change of Address or Responsible Party Business. Line 6. Enter only one tax form number per request. Signature and date. Form 4506-T must be signed and dated by the taxpayer listed on line 1a or 2a. If you completed line 5 requesting the information be sent to a third party, the IRS must receive Form 4506-T within 120 days of the date signed by the taxpayer or it will be rejected. Ensure that all applicable lines are completed before signing. Individuals. Transcripts of jointly filed tax returns may be furnished to either spouse. Only one signature is required. Sign Form 4506-T exactly as your name appeared on the original return. If you changed your name, also sign your current name. Corporations. Generally, Form 4506-T can be signed by: (1) an officer having legal authority to bind the corporation, (2) any person designated by the board of directors or other governing body, or (3) any officer or employee on written request by any principal officer and attested to by the secretary or other officer. Partnerships. Generally, Form 4506-T can be signed by any person who was a member of the partnership during any part of the tax period requested on line 9. All others. See section 6103(e) if the taxpayer has died, is insolvent, is a dissolved corporation, or if a trustee, guardian, executor, receiver, or administrator is acting for the taxpayer. Documentation. For entities other than individuals, you must attach the authorization document. For example, this could be the letter from the principal officer authorizing an employee of the corporation or the letters testamentary authorizing an individual to act for an estate. Signature by a representative. A representative can sign Form 4506-T for a taxpayer only if the taxpayer has specifically delegated this authority to the representative on Form 2848, line 5. The representative must attach Form 2848 showing the delegation to Form 4506-T. Privacy Act and Paperwork Reduction Act Notice. We ask for the information on this form to establish your right to gain access to the requested tax information under the Internal Revenue Code. We need this information to properly identify the tax information and respond to your request. You are not required to request any transcript; if you do request a transcript, sections 6103 and 6109 and their regulations require you to provide this information, including your SSN or EIN. If you do not provide this information, we may not be able to process your request. Providing false or fraudulent information may subject you to penalties. Routine uses of this information include giving it to the Department of Justice for civil and criminal litigation, and cities, states, the District of Columbia, and U.S. commonwealths and possessions for use in administering their tax laws. We may also disclose this information to other countries under a tax treaty, to federal and state agencies to enforce federal nontax criminal laws, or to federal law enforcement and intelligence agencies to combat terrorism. You are not required to provide the information requested on a form that is subject to the Paperwork Reduction Act unless the form displays a valid OMB control number. Books or records relating to a form or its instructions must be retained as long as their contents may become material in the administration of any Internal Revenue law. Generally, tax returns and return information are confidential, as required by section The time needed to complete and file Form 4506-T will vary depending on individual circumstances. The estimated average time is: Learning about the law or the form, 10 min.; Preparing the form, 12 min.; and Copying, assembling, and sending the form to the IRS, 20 min. If you have comments concerning the accuracy of these time estimates or suggestions for making Form 4506-T simpler, we would be happy to hear from you. You can write to: Internal Revenue Service Tax Forms and Publications Division 1111 Constitution Ave. NW, IR-6526 Washington, DC Do not send the form to this address. Instead, see Where to file on this page.

13 Additional Information Pertaining to Household and Living Expenses: If you are experiencing temporary or long term hardship and need help, you must complete and submit this document along with other required documents received as part of your Borrower Response Package to be considered for available solutions. NOTICE: In addition, when you sign and date this form, you will make important certifications, representations and agreements, including certifying that all information provided on this form is accurate and truthful. REMINDER: This form needs to be returned as part of your Borrower Response Package in addition to the other required documents listed in Form 710 Uniform Borrower Assistance Form: (1) A complete, signed and dated Uniform Borrower Assistance Form; (2) A complete and signed IRS 4506T form; (3) Required income documentation; and (4) Required Hardship documentation. Additional Monthly Household and Living Expenses: (Please check all expenses that apply and state the monthly amount for each) Auto/Transportation $ (to include: gas/fuel, insurance, maintenance) Food $ Child Care $ Utilities $ (to include: electric, gas, water, sewer, heating oil) Communications $ (to include: phone/cell, cable, internet) Medical/Dental $ (to include: co-pays and monthly prescriptions) Tuition & Books $ Life Insurance Premiums $ (if not withheld from paystub) Health Insurance Premiums $ (if not withheld from paystub) Borrower Signature Date Co-Borrower Signature Date

14 Authorization Form for Non-Borrower I give permission to SunTrust Mortgage to utilize my income submitted, and to obtain a copy of my credit report to use in the Loss Mitigation application for assistance. Loan # Property Address: Name of Non-Borrower: Residential Address: Social Security Number: Signed: Date: Name of Non-Borrower: Residential Address: Social Security Number: Signed: Date:

15 THIRD PARTY AUTHORIZATION SunTrust Mortgage Loan Number (10 digits): I/W e, _( Borrower ) and _( Co-Borrower, if applicable) hereby authorize SunTrust Mortgage, Inc. to release any and all information about my Loan to the third party indicated below. I/We understand that information released by SunTrust Mortgage may include, but may not be limited to, information relating to m y loan amount and payment transactions history, and/or the provision of copies of m y loan documents, which may contain non-public information relating to me and the Co-Borrower. I/We acknowledge that should I and/or Co-Borrower (if applicable) wish to terminate this authorization, the request to terminate must be made in writing. Date Requested: Full Name of Authorized Third Party(s): Authorized Party Phone/ / Relationship to Borrower: Borrower Name: Borrower Social Security Number (last 4 digits): Co-Borrower Name: Property Street Address: City: State: Zip Code: Borrower Signature/Date Co-Borrower Signature/Date Print Name Print Name

16

17 SunTrust Mortgage Inc. P.O. Box Richmond, VA Servicer: SunTrust Mortgage Address of Property: Servicer Loan Number: Date of Purchase Contract: _/_ / Seller: Seller: Seller s Agent/Listing Agent: Investor: FHLMC Buyer: Buyer: Buyer s Agent: Escrow Closing Agent: Transaction Facilitator (if applicable): _ This Short Sale Affidavit ( Affidavit ) is given by the Seller(s), Buyer(s), Agent(s), and Facilitator to the Servicer and the Investor of the mortgage loan secured by the Property ( Mortgage ) in consideration for the mutual and respective benefits to be derived from the short sale of the Property. NOW, THEREFORE, the Seller(s), Buyer(s), Agent(s), and Facilitator do hereby represent, warrant and agree under the pains and penalties of perjury, to the best of each signatory's knowledge and belief, as follows: (a) The sale of the Property is an "arm's length" transaction, between Seller(s) and Buyer(s) who are unrelated and unaffiliated by family, marriage, or commercial enterprise; (b) There are no agreements, understandings or contracts between the Seller(s) and Buyer(s) that the Seller(s) will remain in the Property as tenants or later obtain title or ownership of the Property, except that the Sellers(s) are permitted to remain as tenants in the Property for a short term, as is common and customary in the market but no longer than ninety (90) days, in order to facilitate relocation; (c) Neither the Sellers(s) nor the Buyer(s) will receive any funds or commissions from the sale of the Property except that the Seller(s) may receive a payment if it is offered by the Servicer, approved by the Investor and, if the payment is made at closing of the short sale of the Property, reflected on the HUD-1 Settlement Statement; (d) The Seller(s)/Listing Agent has presented all offers for the purchase of the Property to the Borrower and no offers have been held, concealed or delayed due to action or inaction by any Agent. (e) There are no agreements, understandings or contracts relating to the current sale or subsequent sale of the Property that have not been disclosed to the Servicer; (f) All amounts to be paid to any person or entity, including holders of other liens on the Property, in connection with the short sale have been disclosed to and approved by the Servicer and will be reflected on the HUD-1 Settlement Statement; Short Sale Affidavit (Exhibit 97) Page 1 of 2 Rev 08/14

18 (g) Each signatory understands, agrees and intends that the Servicer and the Investor are relying upon the statements made in this Affidavit as consideration for the reduction of the payoff amount of the Mortgage and agreement to the sale of the Property; (h) A signatory who makes a negligent or intentional misrepresentation agrees to indemnify the Servicer and the Investor for any and all loss resulting from the misrepresentation including, but not limited to, repayment of the amount of the reduced payoff of the Mortgage; (i) This Affidavit and all representations, warranties and statements made herein will survive the closing of the short sale transaction; and (j) Each signatory understands that a misrepresentation may subject the person making the misrepresentation to civil and/or criminal liability. / Signature of Seller / Date Printed Name of Seller / Signature of Buyer / Date Printed Name of Buyer / Signature of Seller Agent/Listing Agent / Date Printed Name of Seller Agent/Listing Agent / Signature of Escrow Closing Agent / Date Printed Name of Escrow Closing Agent / Signature of Seller / Date Printed Name of Seller / Signature of Buyer / Date Printed Name of Buyer / Signature of Buyer Agent / Date Printed Name of Buyer Agent / Signature of Transaction Facilitator / Date Printed Name of Transaction Facilitator Short Sale Affidavit (Exhibit 97) Page 2 of 2 Rev 08/14

19 IMPORTANT FEDERAL DISCLOSURES (PLEASE SEE REVERSE SIDE FOR SELECTED STATE DISCLOSURES) The Servicemembers Civil Relief Act (SCRA) provides important financial and legal protections to service members including caps on interest rates, stays of certain legal proceedings, protection from eviction, and termination of leases without repercussions. Learn more at [search for SCRA ]. SunTrust is a member of the HOPE NOW Alliance. HOPE NOW is an alliance between counselors, servicers, investors and other mortgage market participants with a mission to prevent foreclosures through outreach to borrowers at risk. To obtain more information about HOPE NOW, please contact the Homeowner s HOPE hotline at HOPE (4673) and or The HOPE NOW Alliance provides free independent, HUD-approved counseling to homeowners in financial trouble. Or you can contact the US Department of Housing and Urban Development (HUD) at or for information about HUD-approved counseling agencies that may assist you. Scam artists are targeting people who are having trouble paying their debts. For example, the Federal Trade Commission (FTC) has noticed five signs of mortgage rescue scams: Promises to Stop a Foreclosure or Modify Your Loan Guarantees Your Home Will Be Saved 97% Success Rate Requires Fees in Advance Advises You to Stop Paying Your Mortgage Company Looks, Sounds, and Seems Official...But Isn t Look-alike companies are imitating legitimate lenders and government agencies. Find out more at: This communication is an attempt to collect a debt and any information you provide, whether written or verbal, will be used for that purpose. However, if your debt is discharged in bankruptcy or you are protected by the automatic stay in a bankruptcy proceeding, SunTrust Mortgage, Inc. recognizes that you may not be liable for this debt and this letter is not an attempt to collect a debt but is being sent for notice purposes only. If you are current on your loan account, the notice above is not intended to imply otherwise. Qualified Written Requests (QWR), Notices of Error (NOE), and Requests for Information (RFI) Please send all QUALIFIED WRITTEN REQUESTS (QWR), NOTICES OF ERROR (NOE), and REQUESTS FOR INFORMATION (RFI) to SunTrust Mortgage, Inc., ATTN: QWR/NOE/RFI, P.O. Box 26527, Richmond, VA Federal Law permits you to contact us in writing regarding your account in order to request certain types of actions and/or information (with exceptions). These requests include (1) a Qualified Written Request, (2) a Notice of Error, and (3) a Request for Information. If you submit a QWR or NOE, please include your name, loan account number and the reason you believe the account is in error. If you submit an RFI, please include your name, loan account number and the specific information requested. All requests must be sent to the address above. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agencies that administer compliance with this law concerning this creditor are the Bureau of Consumer Financial Protection, 1700 G Street NW., Washington DC and the Federal Trade Commission, Equal Credit Opportunity, Washington DC

20 SELECTED STATE DISCLOSURES (PLEASE SEE REVERSE SIDE FOR IMPORTANT FEDERAL DISCLOSURES) If you are a California resident or your property is in California, the following may apply to you. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. If you are a resident of Ohio or your property is in Ohio, the following may apply to you. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. If you are a Texas resident or your property is in Texas, the following may apply to you. Assert and protect your rights as a member of the armed forces of the United States. If you are or your spouse is serving on active military duty, including active military duty as a member of the Texas National Guard or the National Guard of another state or as a member of a reserve component of the armed forces of the United States, please send written notice of the active duty military service to the sender of this notice immediately. If you are a Utah resident or your property is in Utah, the following may apply to you. As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. If you are a Wisconsin resident or your property is in Wisconsin, the following may apply to you. No provisions of a marital property agreement, a unilateral statement under Section , or a court decree under Section , adversely affects the interest of the creditor unless the creditor, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree, or has knowledge of the adverse provision when the obligation to the creditor is incurred. Equal Housing Lender. SunTrust Mortgage, Inc., 901 Semmes Avenue, Richmond, VA 23224, NMLS #2915, is licensed by the Department of Corporations under the California Residential Mortgage Lending Act; is an Illinois Residential Mortgage Licensee; is a Lender in Massachusetts having Mortgage Lender license #s ML 2915; ML ; ML ; ML ; ML ; ML ; is licensed by the New Hampshire Banking Department; is licensed by the New Jersey Department of Banking and Insurance, toll free ; is a licensed lender in Rhode Island; and is doing business in Arizona as Crestar Mortgage, 7250 N. 16 th Street, Ste. 100, Phoenix, AZ SunTrust Banks, Inc. SunTrust and SunTrust Mortgage are federally registered service marks of SunTrust Banks, Inc. Disclosure(s)